Mr. Gerry Fitzpatrick:

We are currently the auditors ... in the change in Europe in rotation of auditors, audit tendering is now a mandatory requirement so the bank put the ... the RBS Group put the audit out to tender for 2016. We were included in that process, but because we would obviously had only a small number of years, because we are timed out in rotation process, we weren't successful. The audit will change for 2016.